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Flexible Spending Accounts (FSA)

Your dental expense eligibility for an HSA or FSA

April 12, 2024

Dental expenses can be a significant financial burden, especially when unexpected dental procedures arise. For those who have health savings accounts (HSAs) or medical flexible spending accounts (FSAs), there are opportunities to save money on these expenses. We answer a few common dental-related questions as it relates to your HSA or medical FSA. 

Can I use my HSA or medical FSA to pay for dental expenses?

The good news is that an HSA or medical FSA can be used to pay for certain dental expenses! Keep in mind that there may be some limitations and exclusions depending on your specific plan. Our eligible expense list covers what’s eligible for HSA or medical FSA funds. 

Can I use my HSA or medical FSA for teeth cleaning? 

Teeth cleaning is considered a preventative service, which is covered by HSAs and medical FSAs. Using your HSA or FSA to pay for teeth cleaning can be a smart way to maximize your healthcare dollars while taking care of your oral health. 

Can I use my HSA or medical FSA for a tooth extraction?

The answer is generally yes, as tooth extraction is considered a dental procedure, it is eligible for reimbursement from both HSAs and medical FSAs. However, it’s important to recognize that the extent of coverage may depend on your specific plan and the reason for the extraction. For example, if the extraction is necessary due to a medical condition such as gum disease, it may be covered by your medical plan, rather than your HSA or FSA. 

What other dental costs can I use HSA or medical FSA funds on?

In addition to teeth cleaning and tooth extraction, there are other dental costs that you can use HSA or FSA funds on. These include fillings, crowns, bridges, root canals, and braces. HSAs and medical FSA funds can also be used to purchase dentures, implants, and other restorative dental procedures

What dental expenses are not HSA- or FSA-eligible?

While there are many dental expenses that can be covered by HSAs or FSAs, there are also certain expenses that are not eligible for reimbursement. For instance, cosmetic dental procedures such as teeth whitening or veneers are generally not covered by HSAs or medical FSAs. Over-the-counter dental products, such as toothpaste or mouthwash, are also not eligible for reimbursement from HSAs or medical FSAs, unless they are prescribed by a dentist. 

What do I need from my dentist to file a claim? 

Luckily, HSAs do not require claim filing! However, medical FSAs do. When expenses are paid for with a benefits card, you may need documentation of: the date service was received or purchase was made, a description of the item or service purchased, the dollar amount, and the provider or store name. 

Interested in purchasing HSA-eligible or FSA-eligible dental expenses? Check out FSA Store! 

The information in this blog post is for educational purposes only. It is not legal or tax advice. For legal or tax advice, you should consult your own legal counsel, tax and investment advisers. 

WEX receives compensation from some of the merchants identified in its blog posts. By linking to these products, WEX is not endorsing these products.

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